The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$9,223
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,509
−HK$292/mo
Today · 4.125%
HK$9,801
baseline
▲ 0.50% · 4.625%
HK$10,397
+HK$596/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,602/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$9,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,260
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,535
−HK$279/mo
Today · 4.125%
HK$10,814
baseline
▲ 0.50% · 4.625%
HK$11,384
+HK$570/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,628/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$9,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,067
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,411
−HK$350/mo
Today · 4.125%
HK$11,761
baseline
▲ 0.50% · 4.625%
HK$12,477
+HK$716/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,522/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$9,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,312
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,642
−HK$335/mo
Today · 4.125%
HK$12,977
baseline
▲ 0.50% · 4.625%
HK$13,661
+HK$684/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,954/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$9,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,912
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,313
−HK$408/mo
Today · 4.125%
HK$13,721
baseline
▲ 0.50% · 4.625%
HK$14,556
+HK$835/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,442/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$9,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,364
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,749
−HK$391/mo
Today · 4.125%
HK$15,140
baseline
▲ 0.50% · 4.625%
HK$15,938
+HK$798/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,280/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$9,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,601
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,117
−HK$525/mo
Today · 4.125%
HK$17,642
baseline
▲ 0.50% · 4.625%
HK$18,715
+HK$1,073/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$35,284/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$9,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,468
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,963
−HK$503/mo
Today · 4.125%
HK$19,466
baseline
▲ 0.50% · 4.625%
HK$20,492
+HK$1,026/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$38,932/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$9,009 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).